LazyPay: Loan App & Pay Later

356K reviews
Content rating
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About this app

Get credit that’s easy, instant and stress-free. With LazyPay, you get a free credit limit upto Rs.10,000 that you can use across 45,000+ online stores and merchants! Just repay the total every 15 or 30 days, interest-free.

Here’s what you can do on LazyPay:

Checkout on your favourite merchants in just one-tap! It’s completely free. No extra charges, no hidden fees. Shop, buy, spend from your credit limit and pay just one single bill every 15 days.
One-tap payments
No OTPs, CVVs or PINs
Repay just once every 15 days
No interest and no hidden charges

★ Get attractive discounts and offers on various merchants like Swiggy, Zomato, Myntra, Zepto and more.

★ A quick, simple KYC makes your experience a lot smoother. If you complete your KYC with us, you can increase your credit limit (upto as much as Rs. 5 lakhs), and get 30 days to repay your dues (that’s double the normal billing period!). In case you’re unable to pay your bill, you’ll also have options to repay your dues in EMIs.

🔌BillPay: Pay Utility Bills
[Currently open to select users]
With over 20,000+ supported billers, LazyPay allows you to pay utility bills with your credit limit. Pay electricity, gas, water bills in one-click; recharge FASTag, mobile postpaid, mobile prepaid, landline, DTH and more. Repay in one shot, along with your LazyPay dues, every 15 or 30 days.

⚡XpressCash: Instant Personal Loans
LazyPay offers instant personal loans for all your needs, big or small. Get online loans within minutes and use it for anything you want - no questions asked. Our instant personal loans are cash loans where the lump sum amount is transferred to your bank account. The entire process is paperless and 100% digital, for your convenience.
Personal loan interest rates range from 12% to 36% p.a. with EMI tenures from 3 months upto 60 months.

XpressCash loans range from Rs. 3,000 to Rs. 5 lakh with an Annual Repayment Period (APR) from 3 to 60 months. Percentage rate (APR) between 12% - 36% on a reducing balance basis.

★Sample EMI Calculation★
For a loan amount = Rs 10,000 | Tenure = 6 months @ interest rate of 18%* p.a.
EMI will be = Rs 1,755/- p.m.
Processing fee = Rs. 200
Total Payment = Rs. 10,730
*Interest rate and processing fee may vary.

★ Join over 20 lakh fellow Indians using the LazyPay app everyday to get instant personal loans, and make payments easily.
★ We believe in total transparency and data safety and security. All your information is safe with us.
★ Have questions? Reach out to us anytime at

Revolve rates - 36% to 42%. For Revolve there is no period for repayment. It's a monthly rolling feature.
Convert to EMI - 3 month 24% | 6 month 26% Tenure basis - 3 to 6 months.

LazyPay is a platform that only facilitates money lending to duly registered NBFCs to users and complies with all applicable laws including RBI’s Fair Practices code. The details of the registered NBFCs who are partnered with us are mentioned below.
PayU Finance India Private Limited (“PayU Finance”)
Updated on
May 18, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

355K reviews
14 14
November 2, 2021
Used this service for over a year. Never missed a payment. I have an excellent credit score. but I didn't like the fact that they kept adding 18rs everyday as a late payment fee on a due amount of just 500rs especially when I was going thru a hard time. and the late fee was supposed to be 10rs when I first used the app. There is no customer service to reach out to for your grievances. Uninstalling.
8 people found this review helpful
PayU Finance (India) Private Limited
November 3, 2021
Hi 14 14, This is definitely not the experience we want you to have. We'd like to understand the issue and help you with it. Please write us at so our support team will address you further.
Jithin Kairamkonda
March 20, 2023
Unable to access the app anymore. It keeps saying that they have a technical issue and to try again later. Even tried the web version, which is not loading at all. I have been charged a late fee, but the app is still not working and I am receiving constant pre recorded calls and WhatsApp messages. Very bad experience overall. Can understand technical issues for a day or two, but not for a whole week. Going to uninstall the app as soon as the app opens and I clear my dues.
234 people found this review helpful
PayU Finance (India) Private Limited
March 20, 2023
We would like to address all your complaints & work on it. Please write to us at & share some more details. ^LazyPay
Zishan Khan
March 20, 2023
What a bad service, every time I try to open the app, it's showing me "we are currently facing technical issue". Due to this I could not view my outstanding amount was overdue and I had to pay fine. It's completely useless, instead of benefit you have to pay for fine, I really made a mistake with choosing this as payment option. Neither the app is able to open up, nor the webpage is loading. It's developers are the same as the name they've choosen. Dislike the service.
160 people found this review helpful
PayU Finance (India) Private Limited
March 21, 2023
We would appreciate it if you could email us at with your concern and we would be happy to address it. ^LazyPay

What's new

New year, new us 🍾 and we're back with some major improvements.

🚀Finishing your KYC is now simpler, faster and smoother. So get verified, and get bigger, better benefits on LazyPay.

💳Apply for your very own RBL Bank LazyPay Credit Card! We've made a bunch of improvements to make it easier for you to get your card. Currently open to select users.

🦸Tried BillPay yet? Track, manage and pay all your utility bills with your limit - and get timely bill reminders! Currently open to select users.